I borrowed 44,000 upfront from one lender, most lenders that would cut a check directly to me and not send it to the school had a limit of between 40-45k. My lender is sallie mae, I called them and asked them if next year I need another 45k could I borrow it or would I need a cosigner since I am single and no longer employed, they told me that as long as I had good credit I would not need a cosigner and that I could borrow more. Keep in mind that you also are eligible for federal loans up to 18,500 each year. So between the 44,000, the federal 18,500 and a stipend from the hospital I plan to work for I am making it and not eating ramen noodles